I think the salient point is "they swerved to miss the horse" and thus the damage was not caused by the horse but rather by them running off the road, personally if it was my car I'd turn it into my insurance company, they don't like to pay claims out of their own pocket, will make it near good with me and use the battery of lawyers on their payroll to try to get someone else to pay for it, conversely if you own the horse you should turn the note over to your insurance company, who also doesn't like paying claims out of their own pockets and they will use their battery of lawyers on their payroll to figure out if they have any liability, if they don't you can bet your sweet bippy they won't part with a dime. If the car owner doesn't like the answer of the insurance company they can sue you, then it will be up to your insurance company to defend you cause if you're covered and you loose the case they're on the hook for the judgement.
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Today's Featured Article - Box Plow Blues - by Tom Schwarz. One of the first implements most tractor owners obtain is the box plow. For very little money, this piece of equipment promises to plow and flatten any hill or vale on your ranch road or farm. At least that's what I thought! As simple as a box plow appears, it can be rather challenging to make work correctly. In our sandy soils of Florida, traction is king. You can never have wide enough tires or heavy enough weights to get all the traction you want … unless you own a monster tractor. U
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